STC:HDB's EV-to-FCF is ranked better than 78.51% of 1196
companies
in the Banks industry
Industry Median: 6.555
vs STC:HDB: 0.72
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Ho Chi Minh City Development Joint Stock Commercial Bank (STC:HDB) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Ho Chi Minh City Development Joint Stock Commercial Bank's PE Ratio (TTM) for today is calculated as:
Ho Chi Minh City Development Joint Stock Commercial Bank's share price for today is ₫25400.00.
Ho Chi Minh City Development Joint Stock Commercial Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₫2703.805.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Ho Chi Minh City Development Joint Stock Commercial Bank EV-to-FCF Related Terms
Ho Chi Minh City Development Joint Stock Commercial Bank EV-to-FCF Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Ho Chi Minh City Development Joint Stock Commercial Bank EV-to-FCF Chart
Ho Chi Minh City Development Joint Stock Commercial Bank Annual Data
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Ho Chi Minh City Development Joint Stock Commercial Bank EV-to-FCF vs Banks Industry
Ho Chi Minh City Development Joint Stock Commercial Bank's current Enterprise Value is ₫55,674,457 Mil.
Ho Chi Minh City Development Joint Stock Commercial Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₫77,145,669 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Ho Chi Minh City Development Joint Stock Commercial Bank (STC:HDB) has a EV-to-FCF of 0.72 as of Jun. 29, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Ho Chi Minh City Development Joint Stock Commercial Bank and its competitors. This is 60% below median its historical median of 1.78. According to the industry distribution chart, Ho Chi Minh City Development Joint Stock Commercial Bank ranks #257 out of 1196 companies in the Banks industry, placing it in the top 21.5%.
Is Ho Chi Minh City Development Joint Stock Commercial Bank's EV-to-FCF too high?
Ho Chi Minh City Development Joint Stock Commercial Bank's current EV-to-FCF of 0.72 is 60% below median its 10-year median of 1.78. The Banks industry median EV-to-FCF is 6.56. Ho Chi Minh City Development Joint Stock Commercial Bank's value of 0.72 is 89% below this industry median. Based on the distribution chart, Ho Chi Minh City Development Joint Stock Commercial Bank ranks #257 out of 1196 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Ho Chi Minh City Development Joint Stock Commercial Bank has a GF Score™ of 77/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Ho Chi Minh City Development Joint Stock Commercial Bank's EV-to-FCF compare to competitors?
According to the Banks industry distribution chart, Ho Chi Minh City Development Joint Stock Commercial Bank ranks #257 out of 1196 companies for EV-to-FCF. This places Ho Chi Minh City Development Joint Stock Commercial Bank in the top 22% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 6.56. Ho Chi Minh City Development Joint Stock Commercial Bank's value of 0.72 is 89% below this benchmark. While the company's 10-year median is 1.78 vs. the industry median of 6.56, Ho Chi Minh City Development Joint Stock Commercial Bank has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.56, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ho Chi Minh City Development Joint Stock Commercial Bank's current EV-to-FCF of 0.72 is 89% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Ho Chi Minh City Development Joint Stock Commercial Bank and its competitors. For the Banks industry, the median EV-to-FCF is 6.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ho Chi Minh City Development Joint Stock Commercial Bank's current EV-to-FCF is 0.72, which is 60% below median its own 10-year median of 1.78. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ho Chi Minh City Development Joint Stock Commercial Bank stock overvalued right now?
Based on GuruFocus' analysis, Ho Chi Minh City Development Joint Stock Commercial Bank (STC:HDB) is currently considered Fairly Valued. The stock's GF Value™ is ₫23,863.51, compared to a current price of ₫25,400.00 — trading 6.4% above its estimated fair value. The current EV-to-FCF is 0.72, which is 60% below median its 10-year median of 1.78 and 89% below the Banks industry median of 6.56. Ho Chi Minh City Development Joint Stock Commercial Bank's overall GF Score™ is 77/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Ho Chi Minh City Development Joint Stock Commercial Bank (STC:HDB), the current EV-to-FCF is 0.72 as of Jun. 29, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Ho Chi Minh City Development Joint Stock Commercial Bank (STC:HDB) Overvalued in 2026?
Based on GuruFocus' analysis, Ho Chi Minh City Development Joint Stock Commercial Bank stock appears to be overvalued.
The current stock price of ₫25,400.00 is trading 6.4% above its estimated GF Value™ of ₫23,863.51.
GuruFocus considers Ho Chi Minh City Development Joint Stock Commercial Bank to be Fairly Valued.
Key valuation signals for STC:HDB:
EV-to-FCF: 0.72 (60% below median its 10-year median of 1.78)
GF Value™: ₫23,863.51 vs. price of ₫25,400.00 (6.4% above fair value)
Industry Position: 89% below the Banks median (#257 of 1196)
No single metric tells the full story. See the STC:HDB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ho Chi Minh City Development Joint Stock Commercial Bank Business Description
Ho Chi Minh City Development Joint Stock Commercial Bank is a Vietnamese commercial bank providing personal and commercial banking services to retail customers, corporations, and investors.
77GF Score
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